How do I know which item belongs to household effects?

Insured items

You can insure the following items individually or in combination:

• Household contents: all movable property for private use incl. pets
• Garden facilities: structural facilities outside the building which are not insured with the building or which must be insured

are insured with the building or have to be insured, such as retaining walls, ornamental fountains, paths,

mailboxes, etc.

• Monetary assets: cash, traveller’s cheques, precious metals, securities, etc.
• Third-party property: movable property and animals temporarily entrusted to you and the property of

guests

• Luggage: household effects carried along on trips
• Mobile homes and caravans with a fixed location: including permanently attached equipment and

accessories such as hobs. The household effects brought along in the mobile home/caravan can be insured as

insured as household effects.

• Valuables: expensive individual items which, over and above the normal household contents cover, are to be insured against

risks, e.g. bicycles and e-bikes, sports equipment,

works of art, musical instruments, antiques, etc.

Updated on: 25/09/2024